The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$47,428
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$48,903
−HK$1,499/mo
Today · 4.125%
HK$50,402
baseline
▲ 0.50% · 4.625%
HK$53,469
+HK$3,067/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$100,804/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$829,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,763
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$54,178
−HK$1,436/mo
Today · 4.125%
HK$55,614
baseline
▲ 0.50% · 4.625%
HK$58,545
+HK$2,931/mo
Deposit HK$10.40M · loan HK$10.40M · min. income ≈ HK$111,228/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$829,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,914
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$58,684
−HK$1,799/mo
Today · 4.125%
HK$60,483
baseline
▲ 0.50% · 4.625%
HK$64,163
+HK$3,680/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$120,966/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$829,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,316
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$65,014
−HK$1,722/mo
Today · 4.125%
HK$66,736
baseline
▲ 0.50% · 4.625%
HK$70,254
+HK$3,518/mo
Deposit HK$8.32M · loan HK$12.48M · min. income ≈ HK$133,472/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$829,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,399
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$68,465
−HK$2,098/mo
Today · 4.125%
HK$70,563
baseline
▲ 0.50% · 4.625%
HK$74,857
+HK$4,294/mo
Deposit HK$6.24M · loan HK$14.56M · min. income ≈ HK$141,126/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$829,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,868
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$75,849
−HK$2,010/mo
Today · 4.125%
HK$77,859
baseline
▲ 0.50% · 4.625%
HK$81,963
+HK$4,104/mo
Deposit HK$6.24M · loan HK$14.56M · min. income ≈ HK$155,718/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$829,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,370
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$88,026
−HK$2,698/mo
Today · 4.125%
HK$90,724
baseline
▲ 0.50% · 4.625%
HK$96,244
+HK$5,520/mo
Deposit HK$2.08M · loan HK$18.72M · min. income ≈ HK$181,448/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$829,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,974
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$97,521
−HK$2,584/mo
Today · 4.125%
HK$100,105
baseline
▲ 0.50% · 4.625%
HK$105,381
+HK$5,276/mo
Deposit HK$2.08M · loan HK$18.72M · min. income ≈ HK$200,210/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$829,940 · Scale 2, in force from 26 Feb 2026)